I found this on the Federal Privacy Commission's Website..
Privacy Commission Info about Identity theft and Scams in Canada
Many times people visit our site because they receive a call from a collection agency or some other place that they aren't familiar with.
If somebody has stolen your identity, obtained credit under your name and then not paid the bills, you will get calls from collection agencies.
Privacy Commission Info about Identity theft and Scams in Canada
Many times people visit our site because they receive a call from a collection agency or some other place that they aren't familiar with.
If somebody has stolen your identity, obtained credit under your name and then not paid the bills, you will get calls from collection agencies.
What should I do if my personal information is compromised by a data breach?
If an organization that has collected your personal information notifies you of a data breach, there is a risk it will be used by identity thieves. To protect yourself:
* Contact the fraud departments of the two major credit bureaus. Request that a "fraud alert" be placed in your credit report files. Order copies of your credit report, and repeat this step in six months.
* If your credit card information has been compromised, contact the credit card company to discuss whether the card should be cancelled and replaced.
* Watch for credit card and other bills as well as bank statements to arrive in the mail and follow up if they don?t come on time.
What are some of the signs my identity might have been stolen?
* Your bills and account statements don?t arrive when they are supposed to.
* Collection agencies or creditors call about accounts you don?t have or bills that you have already paid.
* A credit-granting institution informs you that you have been approved or denied credit you have not applied for.
* Your banking statements show withdrawals or other transactions you didn?t make.
* You are denied credit even though you believe you have a good credit record.
* Your credit report (Equifax Canada and TransUnion Canada) shows debts that are not yours.
What should I do if I?m an identity theft victim?
It is important to act quickly to prevent a thief from opening more accounts or borrowing more money in your name.
You should contact:
* Local police. Ask them to take a report and ask for a copy so that you can provide it to the organizations that you will have to contact later.
* Every organization, such as a credit card company, where credit may have been fraudulently obtained in your name. Provide details of what happened, ask them to investigate and take appropriate actions such as closing accounts or cancelling cards.
* Major credit reporting agencies. (Equifax Canada and TransUnion Canada) Ask for a copy of your credit report and discuss whether your file should be marked with a fraud alert, which will advise creditors to contact you before opening or changing accounts.
* PhoneBusters, a police organization that collects information about identity theft and offers advice to victims. 1-888-495-8501.
info@phonebusters.com
* Reporting Economic Crime Online (RECOL), a partnership involving international, federal and provincial law enforcement agencies. www.recol.ca
* Any government offices that issued any documents stolen or misused as part of the identity fraud.
You should also:
* Keep a detailed log of who you have called and what was said and document any expenses you incur as you clear your name and re-establish your credit.
* Be cautious about using "credit-repair" companies. There is usually nothing they can do, and some have been know to propose a solution ? establishing credit under a new identity ? that is itself fraudulent.
* Close your bank accounts and open new ones. Insist on password-only access to them.
* Get new bank machine and calling cards with new passwords or personal identification numbers (PINs).
* Get a new driver?s licence.
* Tell your telephone, cable and utility companies that someone using your name could try to open new accounts fraudulently.
A detailed guide for identity theft victims is available from the Consumer Measures Committee, a federal-provincial group working on ID theft. The group?s web site,Consumer Measures Committee, includes a log sheet to help victims keep track of who they?ve contacted and an identity theft statement form, which victims can provide to financial institutions, credit card issuers and other companies.
